Palatka Auto Insurance

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What are the auto insurance requirements in Palatka, Florida?

Florida is one of the states using No Fault insurance law. Most people, who move to Palatka, have no idea what No Fault insurance is. Understanding and knowing Florida No Fault insurance law will allow you to find the right coverage for you and will also help you in the future, if you need to make a claim.

The law mandates you to hold a minimum cover of:

PIP – $10,000
Property Damage Liability – $10,000

Personal Injury Protection (PIP) – This part of your insurance policy, covers you in an accident regardless of who is at fault. Costs of lost wages, medical expenses and resulting childcare are under Personal Injury Protection. In the unfortunate event of death, PIP will pay $5,000.

Property Damage Liability (PDL) – This covers damages to other people’s property, caused by you or a member of your family. Fances, buliding and cars are regarded as “Properties”.

In Florida Bodily Injury Liability (BIL) is not required for everyone, only drivers in the high risk group. Drivers who are required to carry SR22, have bad record or have been at fault in an accident, fall in the high-risk category

If your insurance policy is from another state, it will invalid in Florida.

Driving without insurance in Palatka, FL, is a criminal offence. Sooner or later you will be caught and will have to face charges. On top of any fines you have to pay, you will be also required to have SR22 insurance. DMV has the power to suspend your driving privileges for up to three years.

As a client you have the right to:

Choose your own insurance company and adviser
Obtain your policy without the influence of discrimination
Get a fair coverage quote
Obtain copies of all forms and applications, including your policy, within 60 days
Have your claim investigated in a proper and timely manner
Receive payment for necessary vehicle repairs, or for the value of your vehicle, within 20 days of putting your signature on a settlement agreement
File a complaint with your insurer

A lot people spend a few weeks of their year in Palatka, FL and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum PIP and property damage liability coverage.

No Fault insurance explained

Each driver must have insurance policy which covers him in the case of an accident. A driver can not be charged for damages or injuries even if he was at fault.

However, no state in America applies the No Fault law in such a strict form. Florida is no exception.

A lot drivers in Palatka, Florida, are under the impression that their policy will cover all costs.It is important to know that is not the case. Your insurance covers only the medical bills up to your limits. The at fault driver’s insurance should cover you if your property and car have been damaged.

Florida no fault auto insurance law is intended to reduce lawsuits between drivers. You can only sue the at fault party if you meet certain thresholds like major bodily function, disfigurement or significant scarring.

While driving in Palatka – What other cover should I consider?

Insurance specialist state that going for the minimum coverage required is not a wise idea. In a serious accident, such policy will hardly cover your expenses. Adding additional cover and choosing higher limits will probably save you money in the long run.

Adding collision and comprehensive coverage.
Uninsured/Underinsured Motorist insurance coverage.
Adjusting your deductible to help offset some of the additional costs.

Cheap auto insurance in Palatka, FL

Finding low cost auto insurance in Palatka, Florida, is easier than you think. The only thing you really need to do is to compare quotes. Yes, never ever accept your renewal quote stright away. The good news for you is that insurers in Florida are fighting for each new client!

Usually, special rates and discounts are available to new customers.

Discount rates are even available for young drivers in Palatka. Are you aware that good grades can in fact mean more affordable auto insurance? Financial award for good grades can only be a great thing.

Older drivers are given discounts and enjoy low cost auto insurance too. That’s because insurers know that older persons don’t drive fast cars recklessly and have less mileage per year.

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